Debt Free

What is Round-Up to ZeroTM

Simply put, Round-Up to Zero™ is an automated program that allows its users to round-up their daily purchases and automatically
contribute the change to their linked student loan account.

Our proprietary Round-Up to Zero™ algorithm rounds your daily transactions to the nearest dollar amount and automatically contributes
the change to your desired student loan. Our algorithm also identifies the optimal time to issue payments on your student loan using
your change to minimize the amount of interest you pay over the lifetime of your loan. Zero analyzes the financial information that
you provide and provides tailored solutions based on your unique situation.

By making these monthly contributions users have the unique ability to reduce their principal loan amount
automatically. The result is that these small, incremental payments greatly reduce the lifetime of your loan and the amount of
interest you pay over the lifetime of the loan.

Supporters

Additionally, you can invite an unlimited number of supporters to help you pay down your student loans even faster. Think of it at crowd
funding for your student loan. You lead the charge and invite friends, family or even your employer or university to join your Round-Up
to Zero™ Account. Once they join, your supporters will have the choice to match all or a portion of your round-ups each month,
independently link their cards for round-up on your behalf or choose a set amount they would like to contribute each month. Adding
supporters takes seconds and can have a huge impact on your loans.

Invite your employer or university to join your individual account or refer them to us and we’ll work with them to roll out a
company/campus-wide program that will have an even bigger impact on your loans.

Who can Join?

Have student loans? You can join. Any current student, graduate or parent of a student/graduate with student loans can join
Round-Up To Zero™. Simply begin by clicking start now and register for an account in seconds.

Once registered, we’ll ask you for some supporting information and instantly authenticate your account.
You’ll immediately be able to link your credit/debit cards for round-ups and invite anyone in your circle who you think will
help you pay off your student debt.

1 These assumptions are based off a user with $37,000 in student loans and an interest rate of 7% with a 25-year payment term who is contributing $58.73 per month with one supporter who matches their monthly round-ups. This amount is inclusive of Zero’s monthly fees. Zero assumes the interest rate never changes on the loans and the borrower is current on all payments, has no outstanding late fees or past due interest and makes all required payments timely for the lifetime of their loan.

1 These assumptions are based off a user with $37,000 in student loans and an interest rate of 7% with a 25-year payment term who is contributing $58.73 per month with one supporter who matches their monthly round-ups. This amount is inclusive of Zero’s monthly fees. Zero assumes the interest rate never changes on the loans and the borrower is current on all payments, has no outstanding late fees or past due interest and makes all required payments timely for the lifetime of their loan.